US Bank and credit inquiries?

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NCianflone
 
Posts: 2
Joined: Wed Oct 10, 2012 1:17 pm
Location: Greenlawn, NY

US Bank and credit inquiries?

Postby NCianflone » Wed Oct 10, 2012 1:22 pm

I want to apply for the Cash+ card in the near future especially with a cap now being applied to the BCP. Ive heard that US Bank is sensitive to many inquiries. How many is too much? I currently have 5 and i was wondering if that will get my denied? also if anyone knows how long you must wait in between applications id appreciate it. Thanks


LadyinRed
Platinum Member
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Posts: 72
Joined: Mon Jul 23, 2012 8:14 pm
Location: Los Angeles, CA

Postby LadyinRed » Wed Oct 10, 2012 8:02 pm

US Bank is bad when it comes to inquiries. When I applied I had 2 in the previous 4 months and I think 5 total on my report. They originally gave me the Cash Rewards (the consolation card if you don't get the Cash+) and I fought with them for a few weeks before getting upgraded to a Cash+. When was your most recent inquiry? I'd say 6 months would be the safest bet, but you might be able to get approved if you only have one that's pretty recent.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)

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djrez4
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Location: United States

Postby djrez4 » Wed Oct 10, 2012 9:59 pm

There are some ways around these types of problems, but I'm not sure if it's kosher to discuss them here. PM me if you're curious.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

NCianflone
 
Posts: 2
Joined: Wed Oct 10, 2012 1:17 pm
Location: Greenlawn, NY

Postby NCianflone » Thu Oct 11, 2012 7:35 am

I don't know the exact dates. If you know a way i can find that out id love to know. But i had one in June for my BCP card, 1 in march for Discover more card, and the other 3 credit inquiries were anywhere from last January to 3-6 months prior. Hope that helps a little.

Fred Fnord
Green Member
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Joined: Thu Dec 06, 2012 4:52 pm
Location: San Francisco

Postby Fred Fnord » Thu Dec 06, 2012 6:13 pm

I was approved today for the Cash+ card. I had one inquiry three months ago, one five months ago, two seven months ago, and one twelve months ago, plus I think there's another one floating around in there somewhere, though I won't know for sure until January (free credit reports come 'round again.) I believe all of those inquiries were to all three bureaus, as my credit isn't extensive and they all seem to query everything in sight.

Approval was instantaneous. I was on-site at a branch.



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